Have you ever had to deal with an insurance claim?

flooded basement insurance claim

Insurance Claims = Nightmares.

No, we are not talking Obamacare… Remember, we said we don’t discuss politics around here! We are talking about Home Insurance Claims. Yes, even more of a nightmare! *Que horror movie music.

Just a short disclaimer to our readers IN the insurance business, we aren’t attacking you. Keep reading. We actually want to make your life more simple too.

That’s right, Midwest has chosen to train ourselves to be the middle man when it comes to an insurance claim.

Midwest, You, and Your Insurance Claim (or Claimee).

Life is always better with friends. And we aim to be your friend when it comes to your home insurance claim. Let’s set up the scenario:

You come home from work and your basement is knee deep in water.

“What happened?”

“How do we clean this up?”

“Were my pictures in there?”

These are just a few questions that may go through your mind before you ever think “Call the insurance agent. See if we are covered.” Because generally there first question is going to be “How did it happen?”. That’s where we come in.

Your first call should be Midwest.

Or a company like Midwest. But since your on our page reading this, jot down our number real quick: 618-910-8376 or 314-594-1405 – Available day and night, seven days a week :).

Why are we your first call? Simple. We can a) suck up the water quickly. b) assess your damage, and c) tell you the source of water – all 3 components that are necessary to file your insurance claim!

Now you’re probably thinking…

“Well that’s great. But I still have to make an Insurance Claim.”

Yea, maybe? We can look at the situation and give you an out of pocket estimate. OR we can hang around while you can Jake at State Farm and help you guys work together to get it covered.

Remember back in middle school how much easier group projects were when everyone pulled their weight? An Insurance Claim goes just as smoothly if we all play our parts as well.

“What is your part” you ask?

Your part is to put us in touch with the agent and adjuster (one call. Real simple.). Then, to figure out if that was great grandma’s china that was lost in the cardboard box or just simply the left over decorations from little johnny’s 3rd birthday.

What does the Agent and Adjuster do?

Well your agent is the starting point. They let you know if the source of the water was covered in your policy. Then get your the insurance claim information and get the overarching company to assign an adjuster.

The adjuster then comes out and verifies that when we said the basement was 30′-0″ by 20′-0″ and there was 100 cardboard boxes damaged that we weren’t padding those numbers. Then when the project’s all said and done, they collect the information from us and get you a check written to you and us.

What do we do?

We clean up the water, the damage, send the paperwork to the adjuster, communicate with them and the agent, so you get the insurance payout necessary to put your house back in working order. And after you sign your certificate of satisfaction, we invoice you which is then paid with said check from the insurance adjuster.

In a perfect world, we part ways and see each other again for regular carpet clean – just kidding. (But not really)

So TADA! That is how Midwest can be your ally in an Insurance Claim.

Seriously tho folks, if you have ever been through the process it’s a lot of hard work on all ends. Don’t try to project manage your insurance claim alone. We are certified to mitigate and have a trained adjuster on staff. I wouldn’t put my home in the hands of anyone else.

Midwest offers Water Extraction

Water Extraction

The strange things happening in the solar system took us from a steamy stagnant heat to this cool down pour. This rain is supposed to keep coming until late this afternoon into the early evening. So please drive safe out there and remember one thing… We do water extraction!

Water Extraction is a tricky job.

Water Extraction
Water Extraction

For a lot of people this is a one time issue. Water gets into the basement because the gutters are not the cleanest or drainage in the water was mislead. However, for some this is a chronic problem. Rock basements are the absolute worst for letting water in, but this happens with all types of basements. So what can we do to help you?

We have been doing water extraction for years with a sister company, Disaster Restoration Pros. We come in and use a tool called the claw that pulls water out of your carpet and pumps it into a tank. Therefore, the water does not go back to your yard. It goes with us and is then routed to the nearest storm drain to prevent re-flooding your home. Additionally, we use fans to dry the carpet. Some companies pull out the water, but leave the carpet and pad damp which causes mold and mildew to grow in and beneath the flooring. We also come back and do mold testing to ensure that you are not going to have issues with mold in the future.

How can you prevent water in your home?

You can have your basement looked at by a waterproofing company. They will tell you how to treat the foundation or adjust the landscape to improve the dryness of your home. We have a few companies we reference if you are interested in this service. However, until then we suggest you keep all of your stored valuables in plastic totes versus cardboard. As for finished basements, you could purchase your own fan to run during the rain where the water is coming in, you could make sure you have a fully functioning sump pump, and/or treat the legs of furniture to not deteriorate with the incoming water.

If your basement floods tonight or you want to have your house tested for mold from previous flooding, please call! We are happy to come take a look at anything!

618-719-7741